Whether you live in New York City, Oswego, Plattsburg, or somewhere on Long Island, Liberty Mutual rewards your responsible choices with Car Insurance Discounts that could help you save hundreds of dollars a year. As a proud member of the New York community, we offer exclusive savings to members of various college alumni groups, employers and associations across the state, including the New York State Public Employees Federation Membership Benefit Program and many SUNY alumni organizations.

New York Car Insurance Information As with most states, in order to register and drive your car in New York, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:

Bodily Injury to Others: $25,000 per person / $50,000 per accident

Accidental Death: $50,000 per person / $100,000 per accident

Property Damage Liability: $10,000 per accident

Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident. To learn more about New York auto insurance minimums, visit the New York Department of Motor Vehicles.

What is Personal Injury Protection (PIP) Coverage? If you are injured in a car accident, Personal Injury Protection (PIP) pays for your medical expenses and other related costs. PIP coverage in New York pays for:

Medical expenses from injuries suffered in an auto accident.

Lost wages due to missed time at work.

Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured.

Did you know?

Liberty Mutual opened its first New York office in 1917.

Liberty Mutual now has more than 450 licensed Sales Representatives located in over 90 offices across the state.

Get New York Home Insurance & Save Purchasing a Home Insurance policy along with Car Insurance from Liberty Mutual could qualify you for a multi-policy discount. Learn more about our New York Home Insurance.